Research on the Key Factors of Banks' Transferring Credit Guarantee Funds to Small and Medium Enterprises by Credit Lenders

• Main Authors: Chen,Jui-Chen, 陳瑞珍
• Other Authors: 黃木榮
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/xcnsa7

碩士 === 國立彰化師範大學 === 會計學系 === 106 === The research of this dissertation mainly focuses on the study of the key factors for the transfer of SME credit guarantee funds from banks to small and medium-sized enterprises, and uses SME credit guarantee funds and domestic financial institutions to sign trust contracts for credit guarantee business. The standard sampling method is adopted. Then, according to the banks with the top ten largest insured amount in the annual report of the SME Credit Guarantee Fund of the Republic of China for the 105th year, the research objects were selected in order, and one public bank, three public-private bank banks that have been privatized, and one private bank were selected as the study. The object was analyzed through relevant literature analysis to outline an interview, and interviews were conducted with the bank’s experience in credit granting for business households and handling of more than 15 years of experience in guaranteeing the transfer of SME credit guarantee funds to become the source of the research data. The results of the expert interview obtained the following conclusions: 1.Due to insufficient collateral of SME the bank that are willing to make commitments will transfer credit tothe SME Credit Guarantee Fundto improvesafety of claims. 2.Not all banks are willing to make commitments and as required by social etiquette, the funeral industry will usually be rejected. 3.Bank will be diverted to an ad hoc basis in the application of credit limits for SME. Increasing the amount of credit applications will pose greater risk and harm to the security of bank debts. 4.In the case of SMEs operating or financial structure is not sound, for example, when the ratio of over-enrollment is excessive or the debt ratio is high, the SMEs will be required to apply for capital increase or levy receivables and deposit receipts as a source of repayment due to a decrease in the guaranteed amount 5.To stimulate the economy and boost domestic economic development, the Government heavily promotes large-scale credits. Bank will unanimously support the Government in this program and will be willing to improve credit transfers to SME. 6.This program involves responsible persons or their spouses and bank credit or cash card holders who spend the balance of the revolving credit, or when the application for the SME credit transfer will require more stringent reviews. 7.Banks provide performance bonus incentives, which can boost staff morale,but these do not necessarily result in an increase of SME Credit Guarantee Fund. 8.For young entrepreneurs currently receiving bank loans, such as micro-business loans, the Phoenix project is an intercompany loan program focused on bank shares and is more than the usual contract bank credit, based on certain eligibility requirements.